Vacancy title:
Credit Manager – Large SMEs & Corporates

[Type: FULL_TIME, Industry: Finance, Category: Accounting & Finance]

Jobs at:
Equity Bank

Deadline of this Job:
Thursday, October 9 2025

Duty Station:
Rwanda | Kigali | Rwanda

Summary
Date Posted: Friday, October 3 2025, Base Salary: Not Disclosed

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JOB DETAILS:

To provide high-quality financial and credit analysis for large SME and corporate exposures above RWF 1 billion, ensuring portfolio growth while maintaining risk appetite, compliance, and asset quality.

Key Responsibilities

• Lead financial analysis including cash flow forecasting, EBITDA, DSCR, free cash flow, leverage, sensitivity, and scenario testing.
• Develop and present detailed credit proposals, highlighting risks, mitigants, and covenant structures.
• Structure facilities aligned with Risk Acceptance Criteria (RAAC) and BNR requirements.
• Monitor large exposures, collateral adequacy, concentration risks, and covenant compliance.
• Conduct stress testing at borrower and portfolio levels.Job search platforms
• Recommend proactive restructuring or risk mitigation strategies.
• Engage stakeholders (RMs, auditors, regulators, valuers) to ensure due diligence.
• Mentor junior analysts and contribute to governance, RAAC, and policy frameworks.

Qualifications, Experience & Skills

• Bachelor’s degree in Finance, Accounting, Economics, or related field.
• Master’s degree / CFA / CPA / ACCA preferred.
• Minimum 10 years progressive experience in credit analysis, corporate/SME lending, or risk management (with transactions above RWF 1B).
• Strong knowledge of Basel/BNR guidelines, IFRS-9, and large exposure management.
• Proficiency in Moody’s risk tools (Risk Analyst, CreditEdge, or equivalent).
• Advanced financial modeling, stress testing, and ratio analysis skills.
• Excellent report writing and presentation abilities.
• Strong commercial awareness and sector knowledge.

Behavioral Attributes

• Resilient, disciplined, and able to handle high-pressure situations.
• High integrity, sound professional judgment, and strong work ethic.
• Exceptional communication and persuasion skills.

Work Hours: 8

Experience in Months: 120

Level of Education: bachelor degree

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